Call reports 2008
FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE — 2008
What FIRST NATIONAL BANK AND TRUST COMPANY OF ARDMORE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 326,147,000 | 350,391,000 | 340,547,000 | 341,987,000 |
| Total loans | 144,878,000 | 156,776,000 | 157,200,000 | 160,167,000 |
| Allowance for loan losses | 2,045,000 | 2,107,000 | 2,123,000 | 2,204,000 |
| Securities available for sale | 134,006,000 | 140,389,000 | 145,479,000 | 144,210,000 |
| Securities held to maturity | 3,520,000 | 3,919,000 | 3,693,000 | 3,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,870,000 | 259,114,000 | 261,823,000 | 266,829,000 |
| Interest-bearing deposits | 174,336,000 | 193,300,000 | 197,887,000 | 203,750,000 |
| Noninterest-bearing deposits | 59,534,000 | 65,814,000 | 63,936,000 | 63,079,000 |
| Equity capital | 28,251,000 | 24,687,000 | 26,801,000 | 30,142,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,239,000 | 8,362,000 | 12,763,000 | 17,029,000 |
| Interest expense | 1,568,000 | 2,859,000 | 4,083,000 | 5,099,000 |
| Net interest income | 2,671,000 | 5,503,000 | 8,680,000 | 11,930,000 |
| Noninterest income | 933,000 | 1,935,000 | 3,064,000 | 4,162,000 |
| Noninterest expense | 2,747,000 | 5,500,000 | 8,436,000 | 11,690,000 |
| Provision for loan losses | 30,000 | 60,000 | 113,000 | 313,000 |
| Pretax income | 1,067,000 | 2,118,000 | 3,435,000 | 4,329,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 1,066,000 | 2,117,000 | 3,434,000 | 4,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,337,000 | 23,050,000 | 24,367,000 | 23,948,000 |
| Total capital | 27,382,000 | 25,157,000 | 26,490,000 | 26,152,000 |
| Risk-weighted assets | 183,099,000 | 197,232,000 | 196,169,000 | 196,786,000 |
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